The 1% is as accurate as the company that makes the milk...although I prefer 2%. 

I had dealt with Silver Hill in the past and they had offered this product about 2 months ago.

:roll: I`m looking for product and method recommendations for dealing with this problem.

I make sure I have a quality product and therefore I have a large pool of renters ready to go.

You would be the first person I know that has that product.

I called the mortgage broker, asked what the Loan's Product Matrix said about CLTV.

This provides specific products for full rehabbers, fix and flippers, rent ready, owner occupied, etc.You can buy CD's, go to seminars, and spend countless hours chasing REO's while the experienced professionals have the contacts locked up.

@J Scott, to me value add means if you go into a project for say $80k which might be close to current market value and spend another creative $50k in rehab and end up with a property with an ARV of $190k giving you a projected $60k margin on a product that you bought on the basis of seeing an opportunity in the rehab process rather than buying at a discount which usually means you bought it in distressed condition.This way of making deals demands not just creativity, but also experience and a good eye.

If stuff breaks regularly I get better products or harden the property. 

I can sell such products cheap enough so the employer can significantly reduce their costs, even if I'm accumulating a big pile of cash.